Are Home Warranties Worth It for Amherst Residents?
Yes, home warranties are worth it for Amherst residents. Summers in Amherst are fairly mild, but it's still important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Amherst also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Amherst can cause damage to your roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors to determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you need coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. You can read about your provider's exclusions and limitations within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation. You can also browse customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Ratings and reviews can show you how a company handles customer service and claims. Check with the New York Division of Consumer Protection to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your provider should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Amherst
Do I need a home warranty in Amherst?
What are preexisting conditions?
What is the best home warranty provider in Amherst?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
More Home Warranty Resources
National Home Warranty Ranking Methodology
New York Home Warranty Companies
